Please note that failure to report a claim within a reasonable period of time can result in coverage being denied. In either case, it is your duty as the person insured to make sure your property is protected from further loss or damage following an accident. a home fire, or water damage to a home) should be reported immediately, so that an insurance adjuster can provide you with resources and advice on how to minimize the ongoing loss. a weekend fender-bender) can usually wait until the next business day, other more urgent claims (i.e. Although the reporting of non-urgent claims (ie. It is important to report your claim in a timely manner. During regular business hours (weekdays, from 8:30-5:00), by contacting your Broker's Office Personal & Commercial Insurance Claims Department